Investments
Our Services
Investments
We provide advice on different types of investments to suit client needs...
An early (pre-age 65) retirement fund
By drawing an income from the investment when you retire.
Creation of an 'education fund'
For yourself, kids or grandkids.
Creation of a 'health fund'
As an alternative to paying for private health insurance.
Creation of a 'travel fund'
To help you explore the world.
Our investment services:
Managed Funds Investments
Managed fund investments run by experienced professional fund managers. These provide an easy and accessible way to get started investing:
Easy to set up (straightforward application process) and start investing.
No minimum amount required to start investing (no minimum lump sum), and no requirement for minimum contributions either.
Work similarly to KiwiSaver Funds you know but without the restrictions on access i.e. funds can be withdrawn within 5 working days (the time it takes to sell down assets/units in the fund).
Client fees for this service: $250 one-off standard fixed fee for formal advice documentation (Statement of Advice) and assistance implementing the investment recommendation. Ongoing adviser fee of 0.25% of funds invested p.a. for ongoing advice, monitoring, and reporting on investment.
This is a good solution for clients seeking an investment…
That works well alongside their existing KiwiSaver fund i.e., a place to save and grow your money without restrictions on withdrawing the funds when needed.
That is easy to understand and get started with.
That is a good starting point for building a simple investment fund that can later be transitioned into a more sophisticated portfolio investment (+$100k).
That that can be set up for children (often in cases of inheritances) where parents act as authorized signatories until the child reaches age 18.
Premium Service
These are adviser only products with a minimum of $100k lump sum to invest. They are more sophisticated investments that feature:
Researched model portfolios to suit clients risk preferences that are held on a custodian investment platform.
Online access to the investment platform and comprehensive reporting.
Tax advantages, tax efficient portfolio structures with the ability to claim the ongoing adviser and portfolio administration (custodian/platform) fees against your personal income.
Client fees for this service: $1,000 one-off standard fixed fee for formal advice documentation (Statement of Advice) and assistance implementing the investment recommendation. Ongoing adviser fee of 0.75% of funds invested p.a. for ongoing advice, monitoring, and reporting on investment.
This is a good solution for clients seeking an investment…
That is efficient for investing larger sums or with higher personal incomes.
That provides a long-term place to invest their portfolio i.e. to and through retirement.
That provides comprehensive reporting.
KiwiSaver
Nearly everyone has a KiwiSaver fund. For some this forms a significant part of their saving for retirement strategy, for others it is a minor part of their overall wealth. When helping clients with investment advice or financial planning services we also look at and provide recommendation/s about their KiwiSaver fund – this is at no additional cost
We use industry benchmarking to assess KiwiSaver funds on long-term after fees performance. We may also provide recommendations on what level of KiwiSaver employee contributions percentages to select.
Client fees for this service: No fixed fee for assessing clients’ existing KiwiSaver Fund/provider. Additionally, if we make a recommendation to switch to another fund/provider that we work with, and you make the switch, there is no fee for this advice – neither fixed one-off nor ongoing.
Important note: If you follow our recommendation to switch to a KiwiSaver fund/provider we work with they will pay us a servicing fee to act as your financial adviser in regards to your KiwiSaver fund. This servicing fee is typically 0.25% of the balance of your KiwiSaver fund p.a., paid monthly by the KiwiSaver Provider (not the client), directly to the adviser.
Financial & Retirement Planning
Assessing your current financial position (income, expenses, assets) and your financial goals and objectives to make a financial plan grants you greater certainty over your future.
Whether you are in the accumulation stage (typically 30s and 40s), pre-retirement stage (typically early 50s through to 65), or already retired (typically age 60+) clients can benefit from identification of risks, assessment of financial risk tolerance, analysis of current investments, & creation of proactive strategies to achieve your goals.
As part of analysis and creating a financial plan we include projections of scenarios i.e. estimated investment growth, retirement income drawdown, and likelihood of achieving long term goals. These projections can assure you that you are on the right track with saving for retirement or provide impetuous to make changes will lead to a greater chance of achieving your goals.
Client fees for this service: One-off fee of $650 - $2000; based on complexity/ how many different facets of the client's situation we need to cover in the analysis and plan. Fee payable on presentation of the plan.
If the financial plan incorporates new investments recommendation/s i.e. our Managed Fund Investments or Premium Service Investments service, then the fixed one-off fee for these solutions will be covered by the above-mentioned one-off financial & retirement planning fee ($650-$2000). However, the ongoing adviser fee of 0.25% p.a. or 0.75% p.a. (depending on investment type) will still apply.
Client fee schedule
Service | One-off fixed fee | Ongoing adviser fee p.a. |
|---|---|---|
Managed Fund investments | $250 | 0.25% |
Premium Service investments | $1,000 | 0.75% |
KiwiSaver advice | $0 | 0.00* |
Financial & Retirement Planning | $650 - $2000 | 0.25% or 0.75% as applicable |
We typically charge a combination of one-off fixed fees and ongoing adviser fees for our services. Clients will be made aware as soon as possible of what the specific fees are applicable to the service being provided.
Frequently asked questions:
What is different about your Premium Service Investment offering?
Our Premium Service Investments are two different investment options that are both only available through financial advisers: The Ignite Portfolio Service (IPS) & the Fisher Funds Individually Managed Account Service (IMA)
They both have a requirement of a minimum lump sum of $100k to set up a new investment account.
They both feature researched model portfolios to suit clients risk preferences that are held on a custodian investment platform.
Tax advantages, tax efficient portfolio structures with the ability to claim the ongoing adviser and portfolio administration (custodian/platform) fees against your personal income.
Online access to the investment platform and comprehensive reporting.
More information about the Premium Service: IPS
The Ignite Portfolio Service (IPS) is one of our Premium Investment Services. It offers:
Simple and effective portfolio management – a single platform from which to acquire, retain and sell all your investments.
A range of investment options – Model Portfolios are available which provide comprehensive exposure across many asset classes.
Best of breed funds management - your portfolio is based on model portfolios made up of allocations to a diverse range of global and Australasian fund managers who have displayed excellence in the particular asset class.
Investment style diversity – the model portfolios will invest in managed funds that are managed under both an index (passive) and active investment styles.
Researched - The IPS is based on research provided to Ignite by Mapua Wealth (‘Mapua’), a specialist independent investment research company - https://mapuawealth.com/
Independence - Ignite and Mapua are independent of any of the fund managers utilised in the IPS. The IPS is able to select and deselect fund managers based on its and Mapua’s research.
Tailored financial advice – together with your Adviser you can build a portfolio to match your investment needs and objectives.
Tax advantages, tax efficient portfolio structures with the ability to claim the ongoing adviser and portfolio administration (custodian/platform) fees against your personal income.
Security – your investments are held in trust for you by an independent custodian. Adminis Limited (Adminis) or a sub custodian appointed by Adminis hold the assets invested in the IPS. Adminis has over $11 billion in assets under custody in New Zealand.
Consolidated reporting and online access – regular consolidated transaction, valuation and performance reporting on your Account replaces multiple reports for individual investments.
For more information see: https://igniteadvisers.co.nz/ignite-portfolio-service/
More information about the Premium Service: IMA
The Fisher Funds Individually Managed Account (IMA) is one of our premium services. It offers:
Simple and effective portfolio management– a single platform from which to acquire, retain and sell all your investments. You can invest in non-Fisher funds managed funds (including some lower cost wholesale funds), term deposits, individual shares etc. on this platform. If you personally own shares you can transfer them onto the platform to keep all your investments in one place.
A range of investment options – Model and Custom Portfolios are available which provide comprehensive exposure across many asset classes.
Security – your investments are held in trust for you by an independent custodian. FNZ Limited (FNZ) or a sub-custodian appointed by FNZ hold the assets invested in the IMA. FNZ has over $20 billion in assets under custody in New Zealand
Consolidated reporting – regular consolidated transaction, valuation and performance reporting on your Account replaces multiple reports for individual investments.
One point of contact – your Adviser can answer your questions, provide investment advice and take care of transactions on your behalf.
Tax advantages, tax efficient portfolio structures with the ability to claim the ongoing adviser and portfolio administration (custodian/platform) fees against your personal income.
Online access to the platform to view your portfolio at any time.
For more information see: https://fisherfunds.co.nz/ima
What process do you follow when providing financial advice
We follow the international recognized 6-step process of providing financial advice / planning services:
Establish and define the relationship with the client - we'll normally have a short initial discovery meeting to talk through your situation and establish your needs.
Collect the client's information - we gather client financial information & personal investor profiles via questionnaires.
Analyse and assess the clients financial situation - we analyse the information provided (current situation) against client stated goals to help create appropriate recommendations.
Develop & present recommendations to help achieve clients financial goals - using the previous analysis we create and present our recommendations - this takes the form of a formal advice document called the Statement of Advice (SoA).
Implement the recommendations - Once the recommendations have been presented we will also assist with the implementation i.e. set up of new investments or changes to existing ones.
Review the client's situation - We would arrange to review annually or bi-annually to see how things are progressing and whether changes might be needed (ongoing advice).
Why do you charge ongoing financial advice fees?
Our belief is that financial advice is most effective when utilised over a long period of time (ongoing advice) and our service reflects this approach. Having your investments overseen by us as your financial advisers means that you can seek further guidance from us whenever you need.
And it means over time we can ensure the investments remain appropriate for your needs, or make changes if needed. Ongoing financial advice means having the reassurance that you are heading in the right direction.
Ongoing fees are charged as a percentage of fund under management i.e. a small percent of your invested funds, much the same way that fund managers charge fund administration fees. The are normally deducted from your investment account by the fund manager and paid direct to the adviser, monthly.
Can you help with UK pension transfers?
We can also help with advice on and assistance with transfers of UK pensions to New Zealand QROPS (NZ Qualifying Recognised Overseas Pension Scheme).
We provide this service under the brand: Move My Pension. See our website and contact us via the webform for more information: https://www.movemypension.co.nz/
Want to know more about how we can help you plan for the future?
Use our webform to contact us:
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